Checked 2 of my score today & made it to the 700 club on both.
EQ - 702 as of 8/7/09 was 606
TU - 718 as of 8/7/08 was 624
EX was 663 on 8/7/08. Haven't check them yet.
I haven't had a late bill in over a year ( last late payment was in Dec '07)
Paid off all my cards - currently have less than $100 balance combined on my 4 existing cards.
Disputed all inaccurate info & had them corrected.
I have an alarm/reminder set in place to reminder me 5 days before my bills are due to pay them - I pay them all online now so they will not "get lost/delay" in the mail.
Currenty have 1 derog - my fault, when I moved I forgot to change the address on that one card - it was a card I seldom use (maybe once a year), the bill/statement went to my old address & father negleted to give them to me & about 8 months later when I went there to help repair some stuff I saw them in a bag in a corner.
